Access in-depth special reports dedicated to key trends and developments affecting Retail Banking globally. All reports are editorially independent and designed to provide unique insight.

Company & Market profiles, Exclusive interviews, Opinion pieces and Social Media rankings can be found exclusively for Subscribers

View Special Reports

Data

Exclusive data compiled by our expert analysts on major trends in the sector.

View Data

Subscriber Editions

Read the latest subscriber edition, as well as our archives, including features, comment, research and guest articles.

View Subscriber Editions

Fintrack Editions

Every month, FinTrack will showcase the latest innovations from financial providers around the world. Each innovation is assessed and rated on key criteria, to assist with identifying, tracking & understanding key innovation globally.

Banco Santander nine-month attributable profit rises 17%

Spanish lender Banco Santander has reported ordinary attributable profit of EUR5.12bn in the nine months to 30 September 2015, a 17% increase compared to EUR4.36bn a year ago.

The bank’s net operating income also increased 9% to EUR18.23bn from EUR16.75bn in the nine months to 30 September 2014.

The bank’s net interest income grew more than 11% to EUR24.3bn from EUR21.83bn a year ago.

Its efficiency ratio in this period stood at 47%, one of the best rates among international banks.

According to the bank, the 10 core markets in which it operates registered profits, with the exception of Poland where profits decreased 7%.

The group’s non – performing loan ratio at the close of September 2015 was 4.5%, 0.78 points lower than one year ago.

Banco Santander closed September 2015 with total assets of EUR1.32 trillion, 6% more than September 2014.

Banco Santander group executive chairman Ana Botín said: "In the third quarter, we continued our work to help people and businesses prosper — providing access to credit which increased 7%. We have earned the loyalty of more than 400,000 new customers, and 700,000 digital customers.

"This progress towards being a simple, personal and fair bank, has helped us advance our strategic plan and achieve a 17% increase in our year on year ordinary profit. We view the economic situation as improving in the majority of our core markets. We are confident that our model will help us reach the targets we have set for the future."

Free download worth over $5000

Download our 2018 Technology, Media and Telecoms Predictions Report

Worth up to $5,850

In this report, we look at the 30 big tech themes for 2019, identifying winners and losers for each theme. This report will impact all industries helping:

CEOs/Senior Staff: in all industries understand the disruptive threats to their competitive landscape

Investors: Helps fund managers focus their time on the most interesting investment opportunities in global TM